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Homeowners Affordability and Stability Plan : ウィキペディア英語版 | Homeowners Affordability and Stability Plan The Homeowners Affordability and Stability Plan is a U.S. program announced on February 18, 2009 by U.S. President Barack Obama. According to the US Treasury Department, it is a $75 billion program to help up to nine million homeowners avoid foreclosure, which was supplemented by $200 billion in additional funding for Fannie Mae and Freddie Mac to purchase and more easily refinance mortgages. The plan is funded mostly by the Housing and Economic Recovery Act. It uses cost sharing and incentives to encourage lenders to reduce homeowner's monthly payments to 31 percent of their gross monthly income. Under the program, a lender would be responsible for reducing total monthly mortgage payments (PITI) to no more than 38 percent of the borrower’s income, with the government sharing the cost to further reduce the payment to 31 percent. The plan also involves potentially forgiving or deferring a portion of the borrower’s mortgage balance. Mortgage servicers will receive incentives to modify loans and to help the homeowner stay current, though participation by lenders is voluntary.〔(Fact Sheet-Homeowners Affordability and Stability Plan )〕〔(NYT-U.S. Sets Big Incentives to Ward Off Foreclosures )〕 ==See also==
* Home Affordable Modification Program (HAMP) * Home Affordable Refinance Program (HARP)
抄文引用元・出典: フリー百科事典『 ウィキペディア(Wikipedia)』 ■ウィキペディアで「Homeowners Affordability and Stability Plan」の詳細全文を読む
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